Joined 2011-2015, 20 years at 56
Our example: a $55,000 FAC, retiring under the 20-years-at-any-age rule and working on a year at a time. Until age 60 the amounts are "up to" figures, before TRSL's unpublished cut.
| Retire at | Service | Type | Monthly |
|---|---|---|---|
| 56 | 20 yrs | early, 4 yrs before the cut ends | up to $2,291.67 |
| 57 | 21 yrs | early, 3 yrs before the cut ends | up to $2,406.25 |
| 58 | 22 yrs | early, 2 yrs before the cut ends | up to $2,520.83 |
| 59 | 23 yrs | early, 1 yrs before the cut ends | up to $2,635.42 |
| 60 | 24 yrs | full 2.5% | $2,750.00 |
| 61 | 25 yrs | full 2.5% | $2,864.58 |
If you joined on or after July 1, 1999 and retire at any age with 20 years, TRSL cuts your benefit by an actuarial factor. It doesn't publish the factors, so we can't show the cut.
We show your full benefit before the cut as an "up to" amount, with how many years early you'd be. If TRSL gives you your reduction, enter it and we'll apply it.
Member Handbook p. 14Joined before 1999: crossing to 2.5%
Our example: age 53 with 24 years and a $55,000 FAC. At 55 with 25 years the factor rises from 2.0% to 2.5% on every year.
| Retire at | Service | Type | Monthly |
|---|---|---|---|
| 53 | 24 yrs | 2% factor | $2,200.00 |
| 54 | 25 yrs | 2% factor | $2,291.67 |
| 55 | 26 yrs | full 2.5% | $2,979.17 |
| 56 | 27 yrs | full 2.5% | $3,093.75 |
Both tables keep the FAC the same; raises would add more. Maximum Option.
Your real service can grow by less than a year a year (part-time work, leave without pay, the one-year-per-fiscal-year limit).
We add one month of service for each month from today to your retirement date.
Member Handbook p. 8, How do I earn service credit?From the sources
- Each extra year adds service credit and may raise your FAC. If you joined before 1999, reaching 55 with 25 years (or 30 years) moves you from 2.0% to 2.5%.Member Handbook pp. 7, 13; DROP Handbook p. 4
Questions
How much does one more year add to a TRSL pension?
At 2.5%, one more year of service adds 2.5% of your FAC a year: $1,250 a year on a $50,000 FAC. If it also gets you past an early-retirement cut, or from 2.0% to 2.5%, it adds much more.
Does working longer raise my FAC?
It can. Your FAC is the average of your highest 3 or 5 years in a row, so a raise in your last years counts.
Source: TRSL Member Handbook: Regular Plan & Plan B, Last revised April 2026, pp. 7, 9, 13, 14. Also: DROP Handbook p. 4; La. R.S. 11:761, 11:768. Last reviewed .